Choice Financial Group: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Fed funds purchased and repos: 100.0% lower than in Q1 2026, at $0. Choice Financial Group ranks 42nd of 60 North Dakota banks on loan-to-deposit ratio, in the lower half at 62.71% (Q2 2026). Choice Financial Group reported 62.71% on loan-to-deposit ratio for Q2 2026, 25.49 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $397.5M |
| Cash and noninterest-bearing balances to assets | 5.39% |
| Cash and securities | $2.88B |
| Fed funds sold and reverse repos | $53.4M |
| Fed funds sold and reverse repos to assets | 0.84% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $466.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 7.30% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.71% |
| Net loans and leases to deposits | 61.98% |
| Loans and leases to core deposits | 64.59% |
| Core deposits to total deposits | 70.43% |
| Brokered deposits to total deposits | 26.67% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 68.15% | 92.28% | $0 | $142K |
| Q4 2023 | 70.50% | 96.44% | $10.3M | $112K |
| Q1 2024 | 72.69% | 97.13% | $9.7M | $125K |
| Q2 2024 | 72.22% | 97.05% | $7.3M | $101K |
| Q3 2024 | 68.95% | 93.15% | $10.6M | $71K |
| Q4 2024 | 67.42% | 78.65% | $2.8M | $63K |
| Q1 2025 | 63.19% | 77.36% | $2.1M | $41K |
| Q2 2025 | 65.28% | 75.12% | $6.9M | $170.0M |
| Q3 2025 | 63.56% | 72.26% | $10.4M | $15.0M |
| Q4 2025 | 61.96% | 72.70% | $2.0M | $75.0M |
| Q1 2026 | 61.73% | 73.34% | $10.2M | $337.5M |
| Q2 2026 | 62.71% | 70.43% | $0 | $466.2M |
Choice Financial Group liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Choice Financial Group, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Choice Financial Group profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9423) · FFIEC NIC profile (RSSD 826956)